What does Vandekerckhove-Smets Verzekeringen do?

Vandekerckhove-Smets Verzekeringen is an insurance broker in Bredene. Private Limited, started on 7 January 2020, 1 establishment.

What is the address of Vandekerckhove-Smets Verzekeringen?

The registered office of Vandekerckhove-Smets Verzekeringen is located at Driftweg 3, 8450 Bredene.

Is Vandekerckhove-Smets Verzekeringen still active?

Yes. According to the CBE (30 October 2026) Vandekerckhove-Smets Verzekeringen is active, legal situation “Normale toestand”, started on 7 January 2020.

Is Vandekerckhove-Smets Verzekeringen registered on Peppol?

Yes, Vandekerckhove-Smets Verzekeringen is registered on the Peppol network with ID 0208:0740848386.

What is the enterprise number of Vandekerckhove-Smets Verzekeringen?

The enterprise number of Vandekerckhove-Smets Verzekeringen is BE0740848386.

When was Vandekerckhove-Smets Verzekeringen founded?

Vandekerckhove-Smets Verzekeringen was founded on 7 January 2020.

Who are the directors of Vandekerckhove-Smets Verzekeringen?

According to the 2025 annual accounts, the directors of Vandekerckhove-Smets Verzekeringen are: Dirk VANDEKERCKHOVE, Kristina SMETS.

Is Vandekerckhove-Smets Verzekeringen a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 7 January 2020; 5 annual accounts filed, latest fiscal year 2025; 2 directors known from the annual account.

How much profit did Vandekerckhove-Smets Verzekeringen make in 2025?

Vandekerckhove-Smets Verzekeringen posted a profit after taxes of € 36,648 in financial year 2025.

What is the revenue of Vandekerckhove-Smets Verzekeringen?

As a small company, Vandekerckhove-Smets Verzekeringen is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 243,773.

Vandekerckhove-Smets Verzekeringen (Private Limited)

Dossier Vandekerckhove-Smets Verzekeringen, printed on 30 October 2026 from databakkes.be/en/0740848386/vandekerckhove-smets-verzekeringen. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

Vandekerckhove-Smets Verzekeringen from Bredene, company number BE0740848386, closed financial year 2025 with a result of € 36,648 after tax. For that financial year Vandekerckhove-Smets Verzekeringen recorded a gross margin of € 243,773 and equity of € 234,376. Compared with financial year 2024, the result moved from € 7,239 to € 36,648. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 30, 2026.

What it is worth Growing

€ 234,376

▲ 19% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 36,648

▲ € 29,409 vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 176,501

▲ € 150,512 vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Growing

Stays in the company

No dividend for 2025. Retained profit grew to € 229,376.

People and assets in 2025

Wage cost

€ 144,025

▼ 18% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 6,955

▼ 11% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 6 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 109,923

▼ 15% vs 2024

€ 17,914 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 182,496

▲ 73% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 28,044

▲ 21% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 218,359 Gross margin 2022: € 218,359 First fiscal year in the series	€ 265,851 Gross margin 2023: € 265,851 ▲ 22% vs 2022 (€ 218,359) Favourable step	€ 249,732 Gross margin 2024: € 249,732 ▼ 6% vs 2023 (€ 265,851) Unfavourable step	€ 243,773 Gross margin 2025: € 243,773 ▼ 2% vs 2024 (€ 249,732) Unfavourable step	▼ 2%
Profit after taxes	€ -3,666 Profit after taxes 2022: € -3,666 First fiscal year in the series	€ 16,628 Profit after taxes 2023: € 16,628 ▲ € 20,294 vs 2022 (€ -3,666) Favourable step	€ 7,239 Profit after taxes 2024: € 7,239 ▼ 56% vs 2023 (€ 16,628) Unfavourable step	€ 36,648 Profit after taxes 2025: € 36,648 ▲ € 29,409 vs 2024 (€ 7,239) Favourable step	▲ € 29,409
Equity	€ 173,861 Equity 2022: € 173,861 First fiscal year in the series	€ 190,489 Equity 2023: € 190,489 ▲ 10% vs 2022 (€ 173,861) Favourable step	€ 197,728 Equity 2024: € 197,728 ▲ 4% vs 2023 (€ 190,489) Favourable step	€ 234,376 Equity 2025: € 234,376 ▲ 19% vs 2024 (€ 197,728) Favourable step	▲ 19%
Total debts	€ 347,382 Total debts 2022: € 347,382 First fiscal year in the series	€ 320,336 Total debts 2023: € 320,336 ▼ 8% vs 2022 (€ 347,382) Favourable step	€ 258,443 Total debts 2024: € 258,443 ▼ 19% vs 2023 (€ 320,336) Favourable step	€ 320,463 Total debts 2025: € 320,463 ▲ 24% vs 2024 (€ 258,443) Unfavourable step	▲ 24%
Cash	€ 13,864 Cash 2022: € 13,864 First fiscal year in the series	€ 9,882 Cash 2023: € 9,882 ▼ 29% vs 2022 (€ 13,864) Unfavourable step	€ 25,989 Cash 2024: € 25,989 ▲ 163% vs 2023 (€ 9,882) Favourable step	€ 176,501 Cash 2025: € 176,501 ▲ € 150,512 vs 2024 (€ 25,989) Favourable step	▲ € 150,512
Land & buildings	€ 212,198 Land & buildings 2022: € 212,198 First fiscal year in the series	€ 204,568 Land & buildings 2023: € 204,568 ▼ 4% vs 2022 (€ 212,198) Unchanged	€ 192,646 Land & buildings 2024: € 192,646 ▼ 6% vs 2023 (€ 204,568) Unchanged	€ 180,725 Land & buildings 2025: € 180,725 ▼ 6% vs 2024 (€ 192,646) Unchanged	▼ 6%
Retained profit	€ 168,861 Retained profit 2022: € 168,861 First fiscal year in the series	€ 185,489 Retained profit 2023: € 185,489 ▲ 10% vs 2022 (€ 168,861) Favourable step	€ 192,728 Retained profit 2024: € 192,728 ▲ 4% vs 2023 (€ 185,489) Favourable step	€ 229,376 Retained profit 2025: € 229,376 ▲ 19% vs 2024 (€ 192,728) Favourable step	▲ 19%
Bank debt	€ 181,644 Bank debt 2022: € 181,644 First fiscal year in the series	€ 155,524 Bank debt 2023: € 155,524 ▼ 14% vs 2022 (€ 181,644) Favourable step	€ 129,150 Bank debt 2024: € 129,150 ▼ 17% vs 2023 (€ 155,524) Favourable step	€ 109,923 Bank debt 2025: € 109,923 ▼ 15% vs 2024 (€ 129,150) Favourable step	▼ 15%
Balance sheet total	€ 521,243 Balance sheet total 2022: € 521,243 First fiscal year in the series	€ 510,824 Balance sheet total 2023: € 510,824 ▼ 2% vs 2022 (€ 521,243) Unchanged	€ 456,171 Balance sheet total 2024: € 456,171 ▼ 11% vs 2023 (€ 510,824) Unchanged	€ 554,838 Balance sheet total 2025: € 554,838 ▲ 22% vs 2024 (€ 456,171) Unchanged	▲ 22%

Key figures of Vandekerckhove-Smets Verzekeringen, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to Vandekerckhove-Smets Verzekeringen?

What happened at Vandekerckhove-Smets Verzekeringen in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Sep 30, 2026 New annual accounts for financial year 2025: profit of € 36,648 (▲ € 29,409 vs 2024). filed late Source: NBB ↗
Jan 7, 2020 New establishment in Bredene. KBO
Jan 7, 2020 Start of the company according to the CBE. KBO
2019 Dirk VANDEKERCKHOVE became a director. NBB
2019 Kristina SMETS became a director. NBB

In short

From € 3,666 loss in 2022 to € 36,648 profit in 2025.

Paid € 23,367 in corporate taxes since 2022.

Best year ever: 2025, with € 36,648 profit.

Original PDFs at the National Bank ↗

Management

Dirk VANDEKERCKHOVE Kristina SMETS

Vandekerckhove-Smets & Partners

Vandekerckhove-Smets Verzekeringen

Behind Vandekerckhove-Smets Verzekeringen are Dirk VANDEKERCKHOVE and Kristina SMETS. The same people are also behind Vandekerckhove-Smets & Partners.

Directors

According to the 2025 annual accounts

Dirk VANDEKERCKHOVE

Director

Also active at: Vandekerckhove-Smets & Partners

since 2019

Kristina SMETS

Director

Also active at: Vandekerckhove-Smets & Partners

since 2019

Establishments

Establishment units

Physical locations of this company

Registered office

Driftweg 3

8450 Bredene

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

Vandekerckhove-Smets & Partners same network

€ 259,500 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0740.848.386
VAT number: BE 0740.848.386
Registered office: Driftweg 3, 8450 Bredene
Names & denominations: Vandekerckhove-Smets Verzekeringen
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 7 January 2020
Peppol: Active · Active since 5 Jan 2026
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗